{"metro": "Cleveland, OH", "msa_code": "17410", "slug": "cleveland-oh", "decisioned_applications": 8028, "denials": 2004, "denial_rate_pct": 25.0, "national_denial_rate_pct": 22.08, "small_loan_denial_pct": 37.1, "big_loan_denial_pct": 19.2, "small_loan_penalty": 1.93, "lenders": [{"lender": "CROSSCOUNTRY MORTGAGE, LLC", "decisioned_applications_here": 1102, "denial_rate_pct": 6.4}, {"lender": "FREEDOM MORTGAGE CORPORATION", "decisioned_applications_here": 260, "denial_rate_pct": 25.4}, {"lender": "United Wholesale Mortgage", "decisioned_applications_here": 513, "denial_rate_pct": 27.5}, {"lender": "ROCKET MORTGAGE", "decisioned_applications_here": 1007, "denial_rate_pct": 30.0}, {"lender": "AMERISAVE MORTGAGE COMPANY", "decisioned_applications_here": 246, "denial_rate_pct": 80.1}], "spread_between_lenders_pts": 73.7, "page": "https://financeratecalc.com/metro/cleveland-oh.html", "meta": {"source": "CFPB Home Mortgage Disclosure Act 2025", "publisher": "FinanceRateCalc", "universe": "FHA applications (loan_type 2) reaching a credit decision (action_taken 1,2,3), excluding reverse mortgages; denial = action 3", "n": 1187606, "national_denial_rate_pct": 22.08, "method": "https://financeratecalc.com/methodology.html", "license": "CC BY 4.0", "dataset_doi": "10.5281/zenodo.21575105", "verification_status": "reproducible; not independently reproduced", "verify": "https://financeratecalc.com/reconciliation.html", "caveat": "Historical observations about institutions. Not ratings, not recommendations, not predictions about any individual application. Rates reflect applicant composition as well as lender practice."}}